Protect your future with trusted insurance

Professional indemnity insurance pays your legal costs, as well as any compensation payments that you might be liable for, if your client takes legal action against you. This could be for a mistake you made when providing professional services, advice or designs to them.

We know that everyone strives to provide their clients with the best service possible. But sometimes, no matter what, things go wrong. So, it pays to be properly insured.

Without professional indemnity cover in place, you'd have to defend any allegations of mistakes out of your own finances. It could prove very damaging and costly, which is why it's typically regarded as a vital piece of business insurance.

Our specialist cover has been expertly designed from over 25 years experience offering professional indemnity insurance to contractors, consultants and small businesses. It exists to provide you with comprehensive protection against claims – so if a piece of work for a client doesn't go to plan, you'll have the peace of mind that you're covered by an industry expert

Professional indemnity insurance pays your legal costs, as well as any compensation payments that you might be liable for, if your client takes legal action against you. This could be for a mistake you made when providing professional services, advice or designs to them.

We know that everyone strives to provide their clients with the best service possible. But sometimes, no matter what, things go wrong. So, it pays to be properly insured.

Without professional indemnity cover in place, you'd have to defend any allegations of mistakes out of your own finances. It could prove very damaging and costly, which is why it's typically regarded as a vital piece of business insurance.

What is professional indemnity insurance?

Professional indemnity insurance (also known as PI insurance, PII or professional liability insurance) is designed to protect you if you make a mistake in a piece of work for a client that causes them a financial loss. Examples include providing incorrect advice, sub-standard services, or incorrect designs.

These mistakes can cost your clients time and money, and they may then choose to take legal action against you to recover their costs.

Professional indemnity insurance pays the legal costs of defending you, as well as any compensation payments that may be due to your client as a result of your mistake.

Even if you’ve done nothing wrong and a client makes an unfounded or spurious claim against you, it can cost significant sums of money to defend yourself. Professional indemnity insurance can be your protection against such scenarios.

Who needs professional indemnity insurance?

You should consider arranging professional indemnity insurance if:

• You provide advice, designs or professional services to your clients
• Your client requires you to have professional indemnity cover to begin a contract
• Your industry body requires you to have professional indemnity cover to operate

Why do I need professional indemnity insurance?

Here are some examples of who could benefit from professional indemnity insurance, with examples of why they might need it:

Who?
Accountants and business management consultants

Why?
A deadline to file paperwork with HMRC is missed, resulting in your client incurring additional costs. They claim against you for their financial loss. Find out more about professional indemnity insurance for accountants here.

Who?
Business and management consultants

Why?
A business plan provided to a client doesn't deliver the expected results. They claim against you for their financial loss. Find out more about professional indemnity insurance for consultants here.

Who?
IT contractors and consultants

Why?
A website, application or software provided to your client isn't fit for purpose. They claim against you for the cost of putting the mistake right.

Who?
Technical and engineering contractors, surveyors and architects

Why?
Some CAD (computer-aided design) work you undertake for a client contains the wrong measurements, causing long delays to your client's project. They claim against you for the cost of putting the mistake right. Find out more about architects professional indemnity insurance here.

Who?
Creative and marketing professionals, including web designers, graphic designers, marketing consultants and photographers/videographers 

Why?
A client alleges that the photographs you have taken aren't suitable for use, or a memory card corrupts and you lose all the day's shots. They claim against you for the cost of re-organising the shoot.

Who?
Teachers, tutors, instructors and trainers

Why?
A client injures themselves during a personal training session. They make a claim against you alleging that you failed to properly explain how to perform the exercise.